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I base those numbers on the idea of having an operating cushion. Once I go into a loan / bailout spiral, I basically have a countdown that can only be stopped by scoring at least a combined 17 on any 3-consecutive titles (i.e. a ♥♥♥♥♥♥ 4 could theoretically be carried by 2 6.5's, or a perfect 10 could replace two separate flops.)
That is what I need to RESET the countdown. Any time I get less than a combined 17-ish on a any 3 consecutive titles, my countdown runs lower. How long the countdown can be allowed to run before hitting zero (bankruptcy) depends on my monthly outlays. More employees, higher monthly outlay. So on a slim shop of 1 or 2 employees, I can handle some hardships -- I could reasonably expect to pump upwards of 5-7 titles while looking for my combined-17. With a crew of 5 or more? I might not even have time to try 3 titles -- anything less than an 8 on any single title is a death knell. If it's real bad, the only thing that'd help at all is a 9.5. This is for a few reasons, mostly because once I'm in the red, I can't count on having funds to run a campaign, I'll prolly have to pass on a G3 booth, researches and trainings are dangerous, and it'd even be a bad idea to allow any vacations or post-release analyses. That means, with no Hype score, even an 8.25 might still starve me out.
You can coast in this for a while, hire the other 2 when you feel secure enough then hire the last 2 specialists either focusing your studio on tech based games or design based game.
You can do it early, but you need to consistently make good games.
Also just a quick number, 440k for researching hires is usually the sweet spot to find decent/great employees. 1.1M hiring is the next "cap" if/when you can afford it.